The U.S. economy is the world’s most powerful engine for wealth creation.

Yet, far too few Americans have a direct stake in the rewards of national economic growth. Markets have reached historic highs, but many hardworking people — and certainly most lower-income workers — have few reliable pathways to build wealth and achieve financial security.

The COVID-19 recession threatens to repeat historical patterns in which the benefits of economic recovery largely bypass lower-income Americans.

Unless we take action.